Birthday Gift Suggestions One

21st Birthday Gifts The Very Highest Quality Gift Suggestions... 21st Birthday Gift Suggestions 1984 Jugoslavian Silver Coin 21st Birthday Gift Suggestions One of the most popular gifts for 21st birthdays is a gold sovereign, but we are always being asked for other ideas... Coins as 21st Birthday Gifts Twenty-first birthdays are still considered by many as traditionally marking a young person's coming-of-age, so many parents or grandparents wish to give a very special gift on this important occasion. Naturally, they wish to give something of lasting value that will be kept for the recipient's lifetime. A coin bearing their year of birth is a increasingly popular but unusual and very special gift. How We Can Help You As a leading UK coin dealer, we are often asked for coins or coin sets from particular years as gift items. We have gift suggestions for many different years, but coins are popular gifts for those very special events in people's lives, such as their 21st birthday. We are happy to try to oblige. On this page we list a few suggestions. Because the dates change from year to year, we will keep the body of this page fairly constant, and just give links to other pages for particular years. To see specific ideas for 1984, you may wish to follow the link to our 1984 Coins as Gifts page. Gold Sovereigns Gold sovereigns are the 21st birthday gift we most often get asked about. We keep in stock almost every date of gold sovereign including those of 21 years ago, although in 1984 these were proof sovereigns only. They make great gifts just as they are, but many people choose to have them mounted into jewellery. We can supply a compact selection of quality ring and pendant mounts for gold sovereigns, half sovereigns and other coins. Please see our gold sovereigns website. Half Sovereigns Half sovereigns are the second most common requested item for coming-of-age gifts. They are less expensive than sovereigns, and make are a more suitable size for use in rings, as sovereign rings are too large for many people. Half sovereigns were issued in 1984, although in these were proof only. Krugerrands Although we don't get asked for krugers as frequently as sovereigns, they are a suitable and unusual alternative. They are available for most years since 1967, although some dates are more difficult to find than others. Since 1980, fractional sizes of krugerrands are available for most years. British Coin Sets We stock British coin year sets for most dates. From 1970, there are Royal Mint proof sets available, and from 1984, there are also Royal Mint Uncirculated sets. these are attractively packaged, and many are accompanied by informative packaging about events during that particular year. Other British Coins In some years there are other British coins which can make interesting and unusual gifts which can become treasured mementoes. Other World Coins Although we specialise mainly in British coins, there are many other world coins and coin sets, some gold, some silver, which can make great gifts especially if the person has a particular affinity or connection with that country. World Silver Crowns A selection of dollar sized silver coins of various years from many different countries. I you are looking for a difficult year, this might be worth trying. World Silver Proof Coins Various silver coins, struck as proofs (special high quality finish) from different countries and different years. Order Form - UK Order Form - USA Order Form - EU Order Form - Rest of World 1984 Coins as Gifts Buying Coins We also buy coins, please see our We Buy Coins page. If you want to find the value of a coin you own, please take a look at our page I've Found An Old Coin, What's It Worth? If you have an enquiry about 21st birthday gift ideas,, we'd be happy to answer you, but please note it may be quicker to telephone us. Please see the Contact Us page of our website. ...at the Lowest Possible Price 521 Lytham Road, Blackpool, Lancashire, FY4 1RJ, England. Telephone (44) - (0) 1253 - 343081 & 316238; Fax 408058; E-mail: enquiries@24carat.co.uk The URL for our main page is: http://www.24carat.co.uk/index.html Web Design by Snoop

wedding gift: cash toward

MSN Money - A practical wedding gift: cash toward a home MSN Home My MSN Hotmail Shopping Money People & Chat Sign In W eb Search: Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Planning Home Retirement Savings Insurance Family/College College Tools Scholarship Search College Search Resources Decision Centers Commentary Index More Tools Related Links Message Boards Print-friendly version Send this to a friend Get market news by e-mail See if refinancing works Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site map Related Articles Marriage means updating important documents Romance can wait; first, talk cold, hard cash Tie the knot without busting your budget Related Resources Decision Center: Essential homebuying guide Decision Center: Love, money and marriage See if youre carrying too much debt Stay at home or work? Try our calculator Related Sites Bankrate.com The Basics A practical wedding gift: cash toward a home advertisement If anyone asks what you want for a wedding present, you might try 'cash for a down payment.' Its legal, if you follow the rules, and asking for cash even meets the Emily Post test for politeness. By Bankrate.com June is the busiest month for weddings, and a forest's worth of invitations either already has been mailed or soon will be sent. A lot of couples want money for wedding gifts. A wedding-day cash infusion can make putting a down payment on a home easier. With prices appreciating rapidly in much of the country, lots of couples need all the help they can get. There are formal and informal rules governing gifts of money to help newlyweds buy a house. First, the informal rules: Is it OK to ask one's wedding guests for money? "It's not rude to request money as a wedding gift," says Peggy Post, author of Emily Post's Wedding Etiquette. "However, it's extremely important to ask politely." Peggy Post is Emily's great-granddaughter-in-law, the wedding etiquette expert for WeddingChannel.com and the main spokesman for the Emily Post Institute. She says one of the most common challenges that couples face is how to request money as a wedding gift. Doing so is acceptable, if done politely. If you seek down-payment money, get the word out through family and friends, Post recommends. Just don't include that info in the same envelope as a wedding invitation. "If you are asked point-blank what you would like for a gift, you might say, 'Whatever you choose will be wonderful, I'm sure, but money for a house down payment is on the top of our wish list,'" Post says. It's OK to say what it's for Go ahead and tell people what you want the money for. Who knows? If you let people know that you plan to spend the money on a down payment, rather than on a honeymoon in Tuscany, they might be more willing to open their pocketbooks. Wedding guests who insist on giving you yet another toaster or wicker picnic basket or a set of rosewood corn holders should be thanked anyway, even though they aren't helping you buy a house. "You should always accept any gift graciously, and remember that the choice of what to give really belongs to the gift giver," Post says. With the etiquette question out of the way, that brings up how to get the money from your guests' pockets and into the hands of the folks who eventually sell you their house. It's not simple, because mortgage loan programs have differing rules on the use of gift money in making a down payment. So know the gift rules Generally, you are expected to be able to make a down payment of at least 5% from your savings, excluding gifts. But what if you are too impatient to wait that long? Some mortgage programs allow you to use gift money if you can't scrape together that 5%. Loans insured by the Federal Housing Administration allow you to use money from gifts to make a down payment of as little as 3%. Fannie Mae and Freddie Mac, the two biggest purchasers of home loans, offer similar programs through lenders. Fannie Mae's program is called "Flex 97" and Freddie Mac's is called "Alt 97." If there is a problem with these loan programs, it is that they limit whose money you can use. The FHA, Fannie and Freddie allow you to use money from family members. In the FHA's case, givers have to be members of your "immediate family." It's up to the loan officer to figure out who is family and who is immediate family. What about friends? Can you use gift money from, say, the woman who has been your mother's best friend since kindergarten? Technically, no. The money has to come from family (or from a nonprofit or government agency, but they don't give wedding gifts). It wasn't always this way. In 1996, the FHA encouraged lenders to offer "bridal registry accounts," where couples could stash gifts from friends and family. "Then, when the newlyweds purchase their new home, the money will be available and documented through a lender-supervised account," the FHA said. A few lenders responded enthusiastically, establishing account programs specifically for newlyweds complete with gift cards that could be returned to the bank with a check enclosed. One such lender is SunTrust Mortgage, a subsidiary of SunTrust Banks. Through SunTrust Mortgage, you can open a bridal registry savings or checking account at SunTrust Bank. When a wedding guest makes a deposit, the bank sends a card to the bride and groom to let them know. Ready to find a mortgage? "When they're ready to go ahead and make that first home purchase, they access those funds and we get a mortgage for them -- and we hope they remain a SunTrust banking customer," says Cheryl Nolda, senior vice president of marketing for SunTrust Mortgage. In the last few months, about 500 brochures have been given to prospective couples, Nolda says. The lender usually sees an upsurge in interest in the two months before June and October, which tend to be the busiest months for weddings. Despite their success at SunTrust, bridal registry accounts never really caught on. You can always open a regular old savings or money market account to hold your down payment fund, but you might need to document where the money came from. That's easy enough when the money comes from your paycheck. If some of the money comes from gifts, be prepared to document the source. Encourage gift-givers to give checks from their personal accounts. And don't forget to write those thank-you notes. Editor's Choice 3 legal papers you can't live without Your own business, your tax shelter Brush: The 5 most overpaid CEOs Are seniors gambling away retirement? Cut your taxes by going solar Readers' Choice Ratings Top 5 Articles 9.34 Zombie debt collectors dig up your old mistakes 9.33 10 ways to stop identity theft cold 9.31 10 ways to avoid outrageous hospital overcharges 9.22 The tricks and traps of debt consolidation 9.17 Safeguard your Social Security number View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. 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gifts for men <<

Romantic Advice: Valentine gifts for men Romantic Advice: Valentine gifts for men Valentine's Day gift giving can be easier if you give gifts any man can use. Here's a list of common ideas that will help you choose what is right for your love. Gift giving can sometimes get tricky, especially when the gift you purchase is not well received. Of course, you can eliminate gift giving by giving cash. However, with a little creative you can express appreciation and love on Valentine's Day by opting for a gift any man could use. 1. Tickets. Does your valentine have a favorite sports team or recording artist? If so, consider buying a front row seat to an upcoming game or performance. 2. Footwear. Whether dressy or sporty, shoes, sandals and/or athletic footwear can simultaneously fulfill a need and a want if you select a pair from your valentine's favorite designer. 3. Food. Be it breakfast, lunch or dinner, your valentine is likely to enjoy a meal if you opt for his favorite restaurant, or his favorite dish. 4. Clothes. Clothing is as personal as an individual gets, so eliminate gift rejection by either taking your valentine or a shopping spree, or wrap up a gift card or gift certificate from his favorite store. Even if you choose to stick to underwear, get creative and buy something he would love but is too shy or too cheap to buy himself. 5. Jewelry. From watches to chains to tie pins to rings, there are many great things you can buy your valentine from the jewelry department. Here, however, proceed with caution. Buy something that either can be used daily or something for a special occasion. Anything in between might just sit in a drawer until next year. 6. Hobby helps. Whatever your beau's interest, consider buying something that can be used to further enjoy his hobby. Again, since such things as golf clubs, mitts and certain balls must feel right to the user, you may want to offer a gift certificate to his favorite hobby shop. Then, too, since your reading interests may be in sharp contrast to his, consider offering a gift certificate to an online or traditional bookstore where he can choose what he likes. 7. Write stuff. Investing in your valentine by giving gifts like designer (not always expensive) pens and pencils, or other home office supplies will keep you on his mind as he uses these great instruments daily. Written by Lisa Crayton - © 2002 Pagewise You are here: Essortment Home >> People & Culture >> Holidays:Gifts >> Romantic Advice: Valentine gifts for men << Giving personalized gifts to friends Gift Advice: Second-hand gifts >>

Jewelry Gift

Gifts At Jewelry Central: Gifts And Jewelry Search for Jewelry Rings & Bands Diamond Rings Engagement Rings Wedding Bands Anniversary Rings Three-Stone Rings Gemstone Rings Earrings & Studs Gold Earrings Diamond Earrings Diamond Studs Gemstone Earrings Bracelets & Bangles Diamond Bracelets Gold Bracelets Silver Bracelets Heart Tag Bracelets Charm Bracelets Necklaces & Pendants Diamond Necklaces Gemstone Necklaces Heart Tag Necklaces Pearl Necklaces Diamond Pendants Gold Pendants Silver Pendants Gemstone Pendants Three-Stone Pendants Gold Jewelry Platinum Jewelry Silver Jewelry Diamond Jewelry Gemstone Jewelry Pearl Jewelry Heart Tag Collection Personalized Gifts Heart Jewelry Three-Stone Jewelry Jewelry Central Store offers high quality fine jewelry and outstanding customer service. A huge selection of rings, bracelets, necklaces, pendants, earrings, wedding rings and personalized gifts in gold, platinum and sterling silver. Free Shipping, Gift Boxing, Gift Card and 30 Day Returns. Rings Bracelets Earrings Necklaces Pendants Gifts And Jewelry Related Categories : Gifts in JC Index Wedding Gifts Any Occasion Gifts Birthday Gifts Christmas Gifts Selected general sites offering all types of Gifts, gift products and jewelry to the general public. Directory Disclaimer: Jewelry Central is not affiliated with any external web sites listed in the directory, and Jewelry Central does not endorse any of the products or services offerred by external web sites. Please use reasonable caution when purchasing from an external web site in the directory. Archive Angel Make memories last a lifetime by putting your photographs on canvas, fine art paper and photo paper. Also provides video editing and photo or video transfers to DVD. Arte Designs Gifts of jewelry, pendant watches with gemstones, miniature art on an easel. BlazeTrek Variety of gifts and a treasure chest that contains goodies such as a jewelry case, an ice bucket and a harmonic teakettle. Champion's Choice Buckles Gift and award ideas made by American Indians such as hand crafted buckles and event jewelry. Casual Living Fashionable apparel, jewelry, figurines, children's toys, candles, books, memorabilia, and dinnerware. CreativeLook Gifts - uniquely styled, hand-made, designer jewelry and other quality gift items. Crystal-Treasures.com Featuring a dazzling selection of Swarovski Austrian crystal suncatchers, jewelry, paperweights and crystal balls. Shopping cart, credit cards and low prices. The Chat Shoppe Fine jewelry, pottery, poetry and gifts for all occasions. DC Designs Custom photo mugs, mouse pads, jewelry and gifts. Mug and coaster set includes designer box, matching label, mug and coaster in shrink wrap. Dakota Gifts Banks, jewelry holders, earring keepers, brush and comb sets that have been decorated with a hand painted design. DecorLine Featuring our imported collection of home accessories, office decorations, designer jewelry and collectibles. DynamicPlaza.com Gifts and Collectibles Collection of hand-painted masks, jewelry, limited edition heads and gift baskets. Enchantments In Time Fine jewelry and health products as well as brand-name electronics. Eccentric Gifts Offers a variety of sentimental gifts, fine jewelry, unique collectibles and discounted items. Gifts and Collectibles Galore Home furnishings and accessories, jewelry, and toys from the world's markets. The Gift Gallerie Gift source for jewelry, bean bag collectibles, miniatures, dolls, figurines and glass sculptures. The Golden Beaver Jewelry, tee shirts and glassware in beaver themes. Global Market Store Selection of wood crafts, silver and copper jewelry, textiles, pottery, incense and oils, from developing nations. iGiftShop.cc Gifts hand made by artists,from around the USA including original art,angels,Santa Fe dinnerware, jewelry and southwest accents. 7th Heaven Angel Shop Roman's seraphim classics and over 300 angel items including figurines, art prints, jewelry, candleholders, keychains, photo frames, stationary, magnets and music. Handcrafted Jewels Handcrafted mandallas, dream catchers, wind catchers, jewelry, key chains, mirror ornaments, cards, art. Idealz Sells housewares, clothing, jewelry, and books. Julie Rose & Co. Equestrian treasures. Handcrafted jewelry, accessories and home decor. Western, equestrian, animal and garden themes. Wholesale/Retail Lady of the Lake Victorian Boutique. Handcrafted, unique Victorian style gifts including old-fashioned bath and beauty products, vintage lace and ribbon wrapped beeswax candles, handcrafted heirloom jewelry, decoupage and antiques. Lucy Ann Personalized sterling silver pendants, charms, jewelry, and accessories. Custom Made Land of Odds Find unusual gifts, collectibles, jewelry, posters, gourmet foods. Made in Sheffield Cyberstore Quality local gifts made in Sheffield - craftwork, penknives, cutlery, pewter, silver, corporate gifts, homeware and jewelry. Mills Jewelry & Awards Trophies, plaques, awards and personalized gifts that include crystal, glassware, timepieces, clocks, silverplated and pewter items. The Merry Merchant Fine jewelry, collectibles and handcrafted sculptures. Free gift with purchase of any three items. Neat Stuff Imports Offers home decor and gift items including hand-crafted jewelry, tapestries, textiles and toys. Nature's Jewelry A variety of items including jewelry, housewares, clothing, sweatshirts and watches. The One A unique collection of one of a kind specialty gifts including original art work, music cd's, jewelry, English china, aroma therapy candles and posters. Paco Designs Jewelry & Gifts Online Gift & Jewelry Catalog. Peaches and Cream Offers collectibles, jewelry and toys. Ricks Collectibles A wide variety of gifts and collectibles. Rock Candles dot com Online sales of power beads, bubble water lamps, rock candles, healing stones, quartz crystals, candle holders, semi-precious gem jewelry and healing and relaxation balls. Rubak Gifts Featuring candles and holders, jewelry and a variety of gifts. New items added frequently. Shop and Learn Gift baskets, jewelry, clothing, and computer novelties. Shopping Deals Offers a variety of gifts including gold and silver jewelry, Australian outback hats and switchplate covers. Shop For Ladies Featuring a variety of gifts including bath and body products, chocolates, jewelry, candles and holders, wine accessories, coffee's and flowers. Sota Gifts Handmade gifts of jewelry, kitchen and home accessories, home and office furnishings. Sanford Jewelers Buy jewelry and gifts online. Teresa's Trinkets & Gifts Specializing in custom orders on every item, such as Jewelry, Home Decor, Kitchen, Crochet, Sewing, and much, much, more. Coming soon more jewelry styles, wind chimes, & sun catchers. Things for Less Offering electronics, watches, jewelry, art and tea. Time Heart Gifts Angels, dolls, fairies, jewelry, porcelain flowers and other gift ideas. Triptych's Laurel Burch Catalog Site Jewelry, wood products, ceramics, Folklorica Collection, New Beginnings collection. Online catalog with secure shopping cart. Tampa Bay Traders Jewelry, gifts, cookware, utensils, knives and luggage. Victorian Trading Company Clothing, jewelry, gifts and collectible replicas of antiques. Wholesale To You Your source for a fantastic selection of fine giftware, jewelry, toys and novelties. Web Wholesalers Offers 7ply/5ply stainless steel cookware for at home gourmets. Also available are luggage and accessories as well as an assortment of housewares and jewelry all at wholesale Welles Emporium We feature work by American artisans: jewelry, clothing, home accessories and childrens gifts. Wind and Wings Unique Art and Gifts Unique art and gifts including bird feeders, bird houses, gourds, jewelry, forged iron, totems, native american, barnwood, bird, crafts, gems, minerals, silver and wood carving. Xavier's Boutique Online boutique featuring gifts, fine jewelry, and other home decor items through secure SSL encrypted servers. Home Privacy Contact NY Gold Price Jewelry Information Directory Add Your Site 1999-2004 Jewelry Central, JC Store. All rights reserved.